visitors insurance
It is the end of a long winter, and the coming of spring is an ideal time to have family members visit you in the USA. This is especially true for Indians who are used to warmer weather and find American winters challenging.
Why Visitor medical insurance ?
Visitors, in particular parents and elder relatives take some time adjusting to the new environs. Beyond the initial jet lag, there are changes in weather, water, food, clothing to consider. While you can take precautions for minor ailments by ensuring that they get any medications that they currently use, or even get a spare pair of glasses, you should also prepare for unplanned but possible catastrophic medical situations, such as an accident, or somebody falling down and having to undergo surgery. Any situation which results in visiting an American hospital can be a serious drain on one’s finances, even during good financial conditions. Even a few hours in a hospital can result in thousands of dollars of medical expenses, and it is not at all an exaggeration that an overnights stay can result in tens of thousands of dollars in medical bills. In this context, it is always prudent to purchase visitors medical insurance.
Why Americanvisitorinsurance ?
Visitors insurance can be confusing for anyone outside the insurance industry. There are several insurance providers, different types of insurance plans, fixed benefits versus comprehensive plans, new concepts like deductibles, PPO network, co-insurance and so on. To help you understand these insurance concepts easily and to be able to compare and then purchase visitors insurance for travelers to America, at American Visitor Insurance, we have developed different tools. Our visitor insurance glossary and FAQ section help you understand the commonly used insurance concepts while our visitor insurance comparison tool will help you compare the different options, select and buy the plan that satisfies your requirements best.
The purchase process.
You will need basic information about the traveler such as the applicants date of birth, passport number, the travel dates and a beneficiary for the policy. On selecting an appropriate visitor insurance plan, you can purchase the plan online in a matter of minutes using a credit card. Immediately after completing the transaction, you will get a email which has all the relevant information about the insurance plan. Unless you choose the online fulfilment option, you will also get the policy document by regular mail in 4-5 business days.
Using the insurance policy.
After completing the online purchase of visitors insurance, you will get the insurance policy details, which will have a policy number as well as the relevant toll free numbers to contact in the event of having to get medical treatment. If time permits, it is recommended that you call the insurance company toll free number, and they will guide you forward on getting appropriate treatment. If your insurance plan has a PPO network, it is recommended that you use the doctor or hospital which is part of the network. Using the PPO network will facilitate cashless settlement (direct billing with the hospital), remove any penalty for being outside network and in some instances even take care of any co-insurance that you might have to pay. If you are unable to call the insurance toll free number prior to visiting a hospital (in the event of any emergency), you should call the insurance company as soon as you can, and inform them of the medical treatment that the visitor is gettin. You should then submit the insurance claims form. You can always contact us at www.americanvisitorinsurance.com if you need help with the claims procedure.